Alternative Funding Solutions for Real Estate Investors

KC Investor Funding - Hard Money Lenders of Kansas City is by far the best source for investment and commercial hard money loans. Like many hard money lenders, we are an asset based lender. As a full service lending company, we're able to offer funding and structuring of loans for investors in and around the Kansas City Missouri Area and nationwide for non-owner occupied residential, multi-family, and commercial properties. Our firm is growing by leaps and bounds, getting us recognized as one of the best hard money lender brokers in the United States, and while it is great that we are expanding rapidly, we are committed to continue providing superior Kansas City investor funding.

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Why Should You Use Hard Money Lenders of Kansas City?

So, why use Hard Money Lenders of Kansas City for your hard money lending needs? Well, there are a number of reasons. First, we are experienced real estate investors, so if you are relatively new to the industry and still "learning as you go," our expertise will help you avoid some costly mistakes. When we provide funding for our clients, we consider ourselves business partners with you and your best interest is top priority. We're very thorough when we underwrite the viability of a deal, and if it doesn't look like a potential win for you, we're going to let you know, and ultimately save you thousands of dollars in the long run. Secondly, our hard money loan approval process is very fast, and we can usually underwrite, approve, and fund a transaction in 7 to 10 days. Additionally, because of how we're able to structure the loans for our borrowers, we're able to lend more on a real estate transaction than what your local bank can typically do. For example, while a bank may lend 80% of the purchase price, leaving you to make a 20% down payment and pay 100% of the rehab costs, our borrowers are likely to only be out of pocket 10% or less of the entire cost of the project (purchase price + rehab costs). Also, it almost goes without saying, but if you compared our financing to paying cash, you're able to do more transactions faster with Hard Money Lenders, because your cash can leverage more capital through us to fund more deals, while paying cash not only limits the amount of deals you can do, but you are also taking on 100% of the risk. Once you do your first hard money loan with Hard Money Lenders of KC, there is no question you will see why we are considered one of the top money lenders in Kansas City MO & nationally, and you will want to use us to fund all of your future deals as well.

﻿​Generally speaking, we provide real estate investment financing, however, we don't provide loans for owner-occupied residential properties. It is safe to say, though, that whatever real estate investment funding need you have, we have a solution. Here are some of common purposes for our hard money real estate loans:

1. Buy, Rehab, and Sell a Property. A large part of our business is hard money loans for flippers or rehabbers. With our hard money rehab loans, you will be able to grow your real estate investment business to level you never imagined. We are excited to partner with you as your private money lender.

2. Buy, Rehab, and Rent Property or Buy and Hold. We believe the rental market will continue to grow over the next several years, and as a hard money lender, we want to be the "go to" commercial lending company for rental property owners' financing needs. If you want to build your portfolio of rental homes in Kansas City, our rental loan program is very competitive. This is the perfect time to invest in rental property in Kansas City.

3. Cash Out & Refinance Loans. If you are needing to cash out on a property that you own free and clear for repairs or rehab, or you can't get traditional financing through your local bank, our investment loans can be a great solution. If you have a loan coming due, or you are paying way too much in interest on an existing hard money loan, Hard Money Lenders of KC can refinance your loan at a lower rate.

4. Commercial Real Estate Loans. As a hard money lender, we are doing a lot of business in the Kansas City market, but our commercial lending division is growing rapidly, and we are beginning to be recognized as one of the best hard money lenders in the U.S. Hard Money Lenders is also able to provide commercial lending to Canadian investors, assuming the real estate is located in the U.S. If you are seeking commercial financing, reach out to us on today and we will have one of our commercial lenders contact you immediately.

6. New Construction Loans. We offer new construction loans for single family homes and multi-family properties up to 30 units.

A Quick Overview of Our Hard Money Loan Programs

We offer different rates, fees, and terms, depending on the type of real estate investment financing you need, but most importantly, we have loan programs for just about any real estate investment funding need, situation, or project you may have. Not only do we have our own core loan programs, but we also partner with other private money lenders and hard money lenders, which is good for you, the borrower, because we are able to shop many different programs and find the lowest rates and terms that best meet your needs. With that said, here are some general guidelines, ranges of rates, and terms we typically offer:

﻿1. We have funding for borrowers with FICO scores of 500+ for fix and flips and 600+ for rentals.2. As much as 100% financing on fix and flips and 90% on rentals.3. Rehab loans are typically 6-12 month interest only, with rates starting at 9.99% apr.4. Rental bridge loans are 1-2 year terms with a 9-10% rate.5. Buy & hold loans are 30 year amortization, PITI, 5 or 10 year balloon or 30 year fixed, and we can offer single property loans or portfolio loans with rates starting at 6.99% apr.6. Commercial Bridge Loans range from 12-36 months and 9-12% interest only with a $100k minimum loan amount.